No, I haven't. On the other hand, I don't think I've ever made a payment either way, and I'm not even sure that my bank account has the facility to do so. They'

No, I haven't. On the other hand, I don't think I've ever made a payment either way, and I'm not even sure that my bank account has the facility to do so. They're certainly no use for things like purchases in a typical online store.